Sticking to a budget is not easy, and for some, it's more difficult than for others. Whether it is a monthly budget or a holiday budget, there are some ground rules that can help you stick to your budget.

Living in London in not cheap by any means. London property is some of the most expensive in the world and whether you’re paying monthly rent, or making mortgage payments, chances are that London property is costing you a substantial amount.

For business owners in London, the overheads including property payments can be quite high. One tip to help business owners stick to their budget is to explore ways of maintaining cash flow. Small loans, factoring etc. can help keep up the money flowing.

Credit cards are a good way to keep control on your money and to plan your expenditure so that you stick to your budget. Just making a budget is not enough, it is important to give the budget a reality check once in a while and to update it if needed.

We are all human, and being disciplined about a budget deserves a reward. Treating ourselves to regular but reasonable rewards can help avoid a bigger blow to the budget when temptation finally does take over!